Akash Gupta

Credit Manager specializing in Payday Lending and short-tenure credit operations, with 2+ years of experience. Manage end-to-end loan disbursal, DPD monitoring, portfolio risk management, balance transfer, reloan, and build and track daily/monthly MIS reports of loan disbursal, sanction, and collection.

Credit Manager - RamChandra Leasing Finance Ltd. - Noida, India

(2025-04)

• Analyze repayment ability for short-tenure payday borrowers using bank transaction behavior — monitoring salary credit regularity, average monthly balance, and EMI obligation.
• Manage end-to-end credit appraisal and underwriting of loans, analyzing CIBIL, FOIR, and income verification for each application; ensure compliance with RBI IRAC norms and internal credit policy.
• Approve loans and track collection of monthly disbursements; maintain daily MIS and collection reports in Excel tracking DPD, bounce rate, NPA, PAR>30, and collection efficiency.
• Manage multiple sanction segments including precloser, reloan, and balance transfer as per policy guidelines.

Credit Process Associate - Ramfin Corp Ltd. - Gurugram, India

(2024-07 - 2025-04)

• Increased tenure, ROI, and repayment date as per customer requirement.
• Worked on reloan cases meeting daily TAT, approving approx. 500+ cases.

B.Sc. - Mathematics - Indira Gandhi National Open University (IGNOU) (2022 - 2026)